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Privacy Policy

Privacy Policy

Who We are

Your information will be held by Fidelitas Group. This privacy notice is to let you know how we will look after your personal information. This notice also tells you about your privacy rights and how the law protects you.

Contacting us about Data Privacy

Please use these details to contact us about any of the topics set out in this Privacy notice, if you have any questions or want more information about how we manage your data.

What Information we collect and why

This section sets out the legal reasons we rely on, for each of the ways we may use your personal information.

Data Protection law says that we are allowed to use personal information only if we have a proper reason to do so. The law says we must have one or more of these reasons:

– When you consent to it, or

– When it is our legal duty, or

– When it is in our legitimate interest

When we have a business or commercial reason of our own to use your information, this is called a ‘legitimate interest’. We will tell you what that is, if we are going to rely on it as the reason for using your data. Even then, it must not unfairly go against your interests.

The law and other regulations treat some types of sensitive personal information as special. This includes information about racial or ethnic origin, sexual orientation, religious beliefs, trade union membership, health data, and criminal records. We will not collect or use these types of data without your consent unless the law allows us to do so.

Here is a list of all the ways that we may use your personal information, and which of the reasons we rely on to do so. This is also where we tell you what our legitimate interests are.

Processing your online enquiry

When you complete the online enquiry form we take this as your explicit and informed consent to collect the information and contact you to discuss it further. We use your contact information, and the limited amount of financial information you provide to prioritise our work. You don’t have to complete the online form, you can choose to contact us by phone instead.

You can withdraw your consent at any time by contacting us using the details shown above and we will cease processing your enquiry.

When you access our website, your Internet Protocol (IP) address, operating system and browser type is automatically collected and is placed in our internet access logs, which we use for system administration and statistical analysis. We collect information directly from you in a number of ways. One way is through our use of “cookies” (see section on Cookies here)

Preparing your case for referring to the Insolvency Practitioner

When we contact you by telephone to progress your enquiry our calls are recorded for our legitimate interest and to protect us against legal claims.

We will continue to use your consent to collect more detailed information about your financial situation. We will ask you to send us documentary proof of your information, that may include National Identifiers such as your National Insurance number. You may withdraw your consent at any point that you are on the phone with our advisor.

Special Category Data

Information related to your health, or the health of other people in your household, is particularly relevant to your financial situation or your ability to manage your debts. We will therefore collect relevant health information as part of your case.

Managing Our Business

Areas of Financial Services are highly regulated and as such we may need to keep records including your personal information and occasionally share them with regulators in our legitimate interest or as a legal obligation.

Security of your information

We take the security of your information very seriously. We have access controls in place and all our staff are trained on the importance of data privacy and security. If you send us documentation it is scanned and the image is stored in our case management system. The original documents are placed in secure bins and shredded by a reputable firm.

Who we share your information with

When we have completed the information on your case we will use our legitimate interest to pass it to an Insolvency Practitioner who will assess your suitability for an Individual Voluntary Arrangement (IVA) / Protected Trust Deed (PTD). We deal with a number of firms and we will pass your case to the firm we believe are most suited to dealing with you. We will tell you which firm we are likely to pass your case to when we speak to you. If an Insolvency Practitioner refuses your case, we may pass it to an alternative provider.

With your consent we will pass your email address to Trust pilot who will invite you to complete a review of our service.

We will not pass your information to any other organisation without your consent.

We work with a number of data processors such as telecoms and software providers to provide our service. All of these firms operate under written agreements.

Data Transfers outside the EEA

We work with a software development firm located outside the EEA where this party can access your personal information. Where we do transfer your personal information outside the EEA to our suppliers, we will make sure that it is protected to the same extent as in the EEA. We will put in place a contract with the recipient that means they must protect it to the same standards as the EEA.

How long we keep your personal information

We only keep information for as long as necessary and in accordance with our retention policy.

If you make an enquiry on our website that does not progress beyond the first stage will delete the information after 6 months.

If we have created a record within our case management system, we will delete the information 7 years after we stop dealing with you.

If we have referred your information to an Insolvency Practitioner, you will have to ask them how long they keep your information.

Cookies

We use cookies to make this website work better. If you continue to use this website you are agreeing to their use.

Your Rights

Withdrawing your consent

If we are processing your personal information with your consent you may withdraw it at any time. Contact us using the information shown above.

If your personal information is incorrect

You can ask us to correct any of the personal information we hold you believe is incorrect. We may ask you to verify this.

If you want to restrict the processing

If you want us to pause the processing of your enquiry, please contact us. You may wish to do this if you want to correct information or whilst you decide whether to withdraw your consent.

If we have referred your case to an Insolvency Practitioner, you will have to contact them directly about restricting processing.

Deleting your Information

If you want us to delete your information we may be able to do this if you contact us. We can only delete personal information if it does not conflict with our retention policy.

Getting a copy of your personal information

You may request a copy of the information we hold about you. We will respond to this request within one month. You can contact us using the details shown above.

Portability of Information

You may ask us for a machine-readable copy of the information you entered into our online enquiry form. We will provide this via a secure method.

Making a complaint

If you are not happy with how we have dealt with your personal information or how we have responded to your questions you may complain to us, using the contact information above. You can also complain or lodge an appeal about the outcome of a complaintto the Information Commissioner. Find out on their website how to report a concern.

Terms

Terms & Conditions

Your use of this website is subject to the terms and conditions that follow. Please read them carefully. By proceeding to browse and use this website you are deemed to have agreed to comply with and be bound by these terms and conditions, which together with our Privacy Policy govern national-debt-help.com’s relationship with you with regards to your use of this website. If you do not agree with any of these terms and conditions please leave this website immediately.

These terms and conditions apply to your use of every part of this website. Separate terms and conditions will apply to any website accessible via a hyperlink from this website. Please note that this website is intended for visitors to the website in the United Kingdom only. This site is not applicable to visitors who are residents of other countries as the law in other countries may restrict the distribution of the information available on this website. To avoid doubt, none of the information on this website constitutes an offer to contract in any country in which it is available including the United Kingdom.

Third Party Companies

After completing the form on our website, we may introduce you to third-party companies who we think may be able to help you. While we are careful about working only with reputable companies, this introduction is made in good faith only. We can make no warranties nor assume any responsibility for the quality of the service offered by any of the third-party debt relief companies we introduce you to.

Alterations

national-debt-help.com reserves the right to amend these terms and conditions at any time and from time to time. If these terms and conditions change in any way, we will post an updated version on this page. Amendments to these terms and conditions will apply to your use of this website and by continuing to use the website after such changes you are deemed to have agreed with these amendments.

national-debt-help.com also reserves the right to remove or cease to supply any information or service contained on this website. In the event that removal takes place we shall not be liable to you in any way whatsoever for this removal.
Prices and details of services posted on this website are subject to change at any time without notice. All services are subject to availability and we give no guarantees in this regard.

Availability and Access

national-debt-help.com tries to ensure that this website access is uninterrupted and error free. However, due to the nature of the internet the website is provided on an “as available” basis. national-debt-help.com will not be liable if for any reason the website is unavailable at any time for any period. national-debt-help.com will not be liable for loss or damage arising if this website becomes unavailable or is suspended for any reason.

Copyright and Intellectual Property

Unless otherwise stated, the rights in the information, documentation, designs, pictures, logos, photographs and other content of this website are owned by or licensed to national-debt-help.com. They are protected by copyright, trademarks and other intellectual property rights. You must not use any material on this website in any way that infringes the intellectual property rights in it.
You may view, download and print individual pages or documents from this website which you may then use, copy or reproduce for your own internal non-profit making purposes, provided you keep intact any copyright and other proprietary notices. However, under no circumstances are you permitted to download, copy, reproduce, modify, redistribute, republish, display, post, transmit or extract any part of this website with a view to profit or gain. In addition, you must not sell or distribute any of the material on this website to third parties, whether for monetary payment or otherwise.

If you copy, download or print any part of this website in breach of the terms and conditions, your right to use this website will cease immediately and you must return or destroy any copies of the materials you have made.

Data Protection

Any personal information supplied by you to by national-debt-help.com will be processed in accordance with the provisions of the Data Protection Act 1998 (as amended). If you supply personal data via this website, you will be told how this data will be used at that point. Through your use of this website, you agree that personal information that is provided will be dealt with according to our Privacy Policy. If you have any questions regarding the Data Protection Act 1998 or national-debt-help.com’s Privacy Policy, please contact national-debt-help.com at support@national-debt-help.com.

Monitoring

Subject to the terms of our Privacy Policy, national-debt-help.com will monitor use of this website and this information will be used by national-debt-help.com for internal business purposes or in accordance with the rules of any applicable regulatory or self-regulatory organisation.

Our Liability

The information and documentation contained on this website was produced by or licensed to national-debt-help.com and is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, national-debt-help.com hereby expressly excludes:

All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.

Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with this website or in connection with the use, inability to use, or results of the use of this website, any websites linked to it and any materials posted on it (including any delays, inaccuracies, errors or omissions in the information and documentation), including, without limitation, any liability for loss of income or revenue, loss of business, loss of profits or contracts, loss of anticipated savings, loss of data, loss of goodwill, wasted management or office time and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.

The publication of the information and documentation provided on this website by national-debt-help.com does not constitute a recommendation that you enter into a particular transaction, nor a representation that any service detailed on this website is suitable or appropriate for you.

It is essential that before taking action in reliance on the information contained on this site you seek specialist debt advice. If you are driving when calling any phone contact number on this website, please ensure it is safe and legal to do so. You should not construe any of the information which is contained on this website as legal, business, financial, regulatory, tax, accounting or other professional advice. We highly suggest that you carefully read the terms of any financial product or service you are considering prior to making your decision.

Governing Law

This website is governed under English Law at all times. In the event of a dispute, relevant parties should submit to the exclusive jurisdiction of the English Courts.

Links to Third Party Websites

Links from our website to third party websites are provided purely for your convenience and such links do not constitute an endorsement, affiliation or authorisation by national-debt-help.com with respect to such third party websites. When you activate these links you will leave our website. We do not endorse or take responsibility for the content on third party websites or the availability of these websites and we are not liable for any loss or damage that you may suffer by using these websites. If you decide to access linked websites you do so entirely at your own risk.

Viruses, Hacking and Other Offences

You must not misuse this website by knowingly introducing viruses, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to this website, the server on which this website is stored or any server, computer or database connected to this website. You must not attack this website via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990 and the Police and Justice Act 2006. We will report any such breach to the relevant law enforcement authorities and we will cooperate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use this website will cease immediately.

We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of this website or to your downloading of any material posted on it, or on any websites linked to it.

national-debt-help.com cannot warrant that this website is free of viruses or technical defects of any description and will not be responsible for any technical problems arising from the use of this website.

Acceptable Use Standards

You may use our website only for lawful purposes. You may not use our site:

To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation, for example “spam”.

To transmit, or procure the sending of any material which is: defamatory of any person, obscene, offensive, inflammatory, sexually explicit, promotes discrimination or harassment based on sex, sexual orientation, gender reassignment, marital or civil partnership status, race, age, religion or disability, infringes any copyright, database right or trade mark of any person, is likely to deceive any person, is in breach of any legal duty owed to a third party (for example, the duty of confidence), is threatening or abusive, is likely to harass, upset or embarrass any other person, misrepresents your identity, or advocates or promotes any unlawful act.

We will determine, in our absolute discretion, whether there has been a breach of these Acceptable Use Standards through the use of our website. If a breach of this policy has occurred, we may take such action as we deem necessary. Failure to comply with these Acceptable Use Standards constitutes a material breach of these terms and conditions and may result in our taking all or any of the following actions:

Immediate, temporary or permanent withdrawal of your right to use our website.

Immediate, temporary or permanent removal of any posting or material uploaded by you to our website.

A warning being issued to you.

Security

national-debt-help.com will take all reasonable steps to ensure that any personal information you provide to us is kept secure. However, because of the nature of the internet, we cannot and do not guarantee that personal information you provide will not be intercepted by others and decrypted. Consequently, your privacy cannot be guaranteed. Please refer to our Privacy Policy.

Queries or Concerns

If you have any other queries or concerns regarding your use of this website or these terms and conditions, please contact us at support@national-debt-help.com.

Complaints

At national-debt-help.com, we pride ourselves on providing a high quality website and we want to ensure that we maintain this at all times. If you are not satisfied with any part of this website you can email us at support@national-debt-help.com.